Jefferson Davis County, MS Mortgage Lenders & HMDA Data, 2024
In 2024, lenders reported 440 mortgage applications in Jefferson Davis County, MS totaling $44.9 million, down 2% from 2023. The average application was for $102,000, and applicants reported an average income of $70,000. 26% of applications resulted in an originated loan and 40% were denied. The most active lender was 21st Mortgage, with 102 applications, followed by Vanderbilt Mortgage and Finance, Inc and Regions Bank.
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| Years | 2025 2024 2023 2022 2021 2020 2019 2018 2017 2016 2015 2014 2013 2012 2011 2010 2009 2008 2007 2006 2005 2004 2003 |
| Total Number of Mortgage Applications | 440 |
| Total Mortgage Loan Application Amount | $44,880,000 |
| Average Mortgage Loan Application Amount | $102,000 |
| Highest Mortgage Loan Application Amount | $505,000 |
| Average Applicant Income | $70,000 |
| Highest Applicant Income | $1,253,000 |
* Phone Numbers for Mortgage Lenders are available with a Data Download Report
| Mortgage Lender | Phone Number | Mortgage Lender Assets | Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications |
|---|---|---|---|---|
| 21st Mortgage 620 MARKET ST SUITE 100 KNOXVILLE, TN 37902 |
* | $ n/a | 102 | $ 8,930,000 |
| Vanderbilt Mortgage and Finance, Inc 500 ALCOA TRAIL MARYVILLE, TN 37804 |
* | $ n/a | 48 | $ 4,270,000 |
| Regions Bank 1900 5TH AVENUE N BIRMINGHAM, AL 35203 |
* | $ n/a | 45 | $ 2,395,000 |
| Triad Financial Services, Inc. 13901 SUTTON PARK DRIVE SOUTH, SUITE 300 JACKSONVILLE, FL 32224 |
* | $ n/a | 33 | $ 3,655,000 |
| Firstbank 1221 BROADWAY SUITE 1300 NASHVILLE, TN 37203 |
* | $ n/a | 14 | $ 1,090,000 |
| Trustmark Bank PO BOX 291 JACKSON, MS 39201 |
* | $ n/a | 12 | $ 1,550,000 |
| Priorityone Bank 220 MAIN AVENUE NORTH MAGEE, MS 39111 |
* | $ n/a | 11 | $ 1,575,000 |
| Citizens Bank 814 MAIN STREET COLUMBIA, MS 39429 |
* | $ n/a | 8 | $ 480,000 |
| Csl Financial, LLC 500 OFFICE PARK DRIVE SUITE 310 BIRMINGHAM, AL 35223 |
* | $ n/a | 8 | $ 800,000 |
| Newrez LLC FORT WASHINGTON, PA 19034 |
* | $ n/a | 8 | $ 660,000 |
| Ferguson Federal Credit Union 1026 EAST BROAD ST MONTICELLO, MS 39654 |
* | $ n/a | 7 | $ 295,000 |
| Community Bank of Mississippi 323 EAST THIRD STREET FLOWOOD, MS 39232 |
* | $ n/a | 6 | $ 540,000 |
| Navy Federal Credit Union 820 FOLLIN LANE VIENNA, VA 22180 |
* | $ n/a | 6 | $ 1,850,000 |
| New American Funding, Llc. 14511 MYFORD ROAD, SUITE 100 TUSTIN, CA 92780 |
* | $ n/a | 6 | $ 570,000 |
| United Wholesale Mortgage 40600 ANN ARBOR RD E STE 201 PLYMOUTH, MI 48170 |
* | $ n/a | 6 | $ 980,000 |
| Hancock Whitney Bank 2510 14TH STREET GULFPORT, MS 39501 |
* | $ n/a | 6 | $ 310,000 |
| Credit Human Federal Credit Un 6061 IH 10 WEST SAN ANTONIO, TX 78215 |
* | $ n/a | 6 | $ 490,000 |
| New Day Financial, Llc. 360 SOUTH ROSEMARY AVENUE SUITE 1900 WEST PALM BEACH, FL 33401 |
* | $ n/a | 5 | $ 725,000 |
| Amerisave Mortgage Company 1200 ALTMORE AVENUE BUILDING 2 SUITE 300 SANDY SPRINGS, GA 30342 |
* | $ n/a | 5 | $ 385,000 |
| loanDepot.com LLC 6561 IRVINE CENTER DRIVE IRVINE, CA 92618 |
* | $ n/a | 5 | $ 865,000 |
| Freedom Mortgage Corporation 951 YAMATO ROAD SUITE 175 BOCA RATON, FL 33431 |
* | $ n/a | 4 | $ 770,000 |
| American Mortgage Bank 3401 NW 63RD SUITE 620 OKLAHOMA CITY, OK 73116 |
* | $ n/a | 4 | $ 540,000 |
| Mortgage Research Center 1400 VETERANS UNITED DR. COLUMBIA, MO 65203 |
* | $ n/a | 4 | $ 1,080,000 |
| Keesler Federal Credit Union 2602 PASS ROAD BILOXI, MS 39531 |
* | $ n/a | 3 | $ 215,000 |
| Countryplace Mortgage, Ltd. PLANO, TX 75024 |
* | $ n/a | 3 | $ 455,000 |
| Bankplus 1068 HIGHLAND COLONY PARKWAY RIDGELAND, MS 39157 |
* | $ n/a | 3 | $ 115,000 |
| US Bank, N.A. 425 WALNUT STREET CINCINNATI, OH 45202 |
* | $ n/a | 2 | $ 250,000 |
| Guaranteed Rate, Inc. 3940 NORTH RAVENSWOOD AVE CHICAGO, IL 60613 |
* | $ n/a | 2 | $ 270,000 |
| The First Bank P.O. BOX 15549 HATTIESBURG, MS 39404 |
* | $ n/a | 2 | $ 130,000 |
| Royal United Mortgage LLC 7999 KNUE RD. STE 300 INDIANAPOLIS, IN 46256 |
* | $ n/a | 2 | $ 160,000 |
| Citizens Bank, NA ONE CITIZENS PLAZA PROVIDENCE, RI 02903 |
* | $ n/a | 2 | $ 200,000 |
| Guild Mortgage Company 5898 COPLEY DRIVE SAN DIEGO, CA 92111 |
* | $ n/a | 2 | $ 240,000 |
| Consumer Real Estate Finance Co dba Society Mortgage 330 SW 2ND ST #111 FORT LAUDERDALE, FL 33312 |
* | $ n/a | 2 | $ 580,000 |
| Tammac Holdings Corporation 480 SWEDESFORD ROAD SUITE 200 WAYNE, PA 19087 |
* | $ n/a | 2 | $ 170,000 |
| Cadence Bank P O BOX 789 TUPELO, MS 38804 |
* | $ n/a | 2 | $ 190,000 |
| Centier Bank 600 E 84TH AVENUE MERRILLVILLE, IN 46410 |
* | $ n/a | 2 | $ 260,000 |
| Bank of Wiggins 1115 E FRONTAGE DR WIGGINS, MS 39577 |
* | $ n/a | 2 | $ 10,000 |
| Southwest Stage Funding LLC 2290 E YEAGER DR SUITE 250 CHANDLER, AZ 85286 |
* | $ n/a | 2 | $ 210,000 |
| Cis Financial Services, Inc. 851 MILITARY STREET N HAMILTON, AL 35570 |
* | $ n/a | 2 | $ 200,000 |
| Sunbelt Federal Credit Union 1506 CONGRESS ST HATTIESBURG, MS 39402 |
* | $ n/a | 2 | $ 240,000 |
| Peoples Bank PO BOX 7 MENDENHALL, MS 39114 |
* | $ n/a | 2 | $ 70,000 |
| Planet Home Lending, LLC 321 RESEARCH PARKWAY SUITE 303 MERIDEN, CT 06450 |
* | $ n/a | 2 | $ 240,000 |
| Mortgage Solutions of Colorado 7450 CAMPUS DRIVE SUITE 200 COLORADO SPRINGS, CO 80920 |
* | $ n/a | 2 | $ 310,000 |
| First Colony Mortgage Corporat 500 EAST PARK AVENUE SUITE 900 OREM, UT 84097 |
* | $ n/a | 1 | $ 65,000 |
| SWBC Mortgage Corporation 9311 SAN PEDRO AVENUE STE 100 SAN ANTONIO, TX 78216 |
* | $ n/a | 1 | $ 95,000 |
| Gmfs, LLC 7389 FLORIDA BLVD, STE 200-A BATON ROUGE, LA 70806 |
* | $ n/a | 1 | $ 215,000 |
| Flagstar Bank NA TROY, MI 49098 |
* | $ n/a | 1 | $ 475,000 |
| Plaza Home Mortgage, Inc 4820 EASTGATE MALL, STE 100 SAN DIEGO, CA 92121 |
* | $ n/a | 1 | $ 95,000 |
| Village Capital & Investment 2460 PASEO VERDE PKWY SUITE 100 HENDERSON, NV 89074 |
* | $ n/a | 1 | $ 405,000 |
| Nationstar Mortgage 8950 CYPRESS WATERS BLVD. COPPELL, TX 75019 |
* | $ n/a | 1 | $ 195,000 |
| Merchants & Marine Bank P. O. BOX 729 PASCAGOULA, MS 39567 |
* | $ n/a | 1 | $ 345,000 |
| Longbridge Financial, LLC 1 INTERNATIONAL BOULEVARD, SUITE 900 MAHWAH, NJ 07495 |
* | $ n/a | 1 | $ 25,000 |
| Stockton Mortgage Corporation 88 C MICHAEL DAVENPORT BLVD. FRANKFORT, KY 40601 |
* | $ n/a | 1 | $ 165,000 |
| Deephaven Mortgage LLC 3530 TORINGDON WAY #200 CHARLOTTE, NC 28277 |
* | $ n/a | 1 | $ 95,000 |
| First Southern Bank PO BOX 268 COLUMBIA, MS 39429 |
* | $ n/a | 1 | $ 125,000 |
| First Florida Credit Union 500 WEST 1ST STREET JACKSONVILLE, FL 32202 |
* | $ n/a | 1 | $ 115,000 |
| Nations Lending Corporation 4 SUMMIT PARK DR STE 200 INDEPENDENCE, OH 44131 |
* | $ n/a | 1 | $ 175,000 |
| PennyMac Loan Services LLC 3043 TOWNSGATE ROAD WESTLAKE VILLAGE, CA 91361 |
* | $ n/a | 1 | $ 85,000 |
| Mutual of Omaha Mortgage LOMBARD, IL 60148 |
* | $ n/a | 1 | $ 75,000 |
| Wells Fargo Bank NA MINNEAPOLIS, MN 55415 |
* | $ n/a | 1 | $ 65,000 |
| Fortera Federal Credit Union 2050 LOWES DRIVE CLARKSVILLE, TN 37040 |
* | $ n/a | 1 | $ 75,000 |
| Copiah Bank 101 CALDWELL DRIVE HAZLEHURST, MS 39083 |
* | $ n/a | 1 | $ 55,000 |
| Grand Bank for Savings, FSB 204 WESTOVER DRIVE HATTIESBURG, MS 39404 |
* | $ n/a | 1 | $ 265,000 |
| Citizens National Bank of Meridian 512 22ND AVENUE MERIDIAN, MS 39302 |
* | $ n/a | 1 | $ 105,000 |
| The Federal Savings Bank 300 N ELIZABETH STREET, STE 3E CHICAGO, IL 60639 |
* | $ n/a | 1 | $ 405,000 |
| Canopy Mortgage, LLC 360 TECHNOLOGY COURT STE. 200 LINDON, UT 84003 |
* | $ n/a | 1 | $ 65,000 |
| Equity Prime Mortgage LLC 5 CONCOURSE PKWY, STE 2250 ATLANTA, GA 30328 |
* | $ n/a | 1 | $ 235,000 |
| JPMorgan Chase Bank, NA 1111 POLARIS PARKWAY COLUMBUS, OH 43240 |
* | $ n/a | 1 | $ 145,000 |
| USAA Federal Savings Bank 10750 MCDERMOTT FREEWAY SAN ANTONIO, TX 78288 |
* | $ n/a | 1 | $ 295,000 |
| Midfirst Bank 501 NW GRAND BLVD OKLAHOMA CITY, OK 73118 |
* | $ n/a | 1 | $ 115,000 |
The tables below break down 2024 mortgage applications in Jefferson Davis County, MS by loan purpose, applicant race, loan type, outcome and denial reason. Click a column heading to sort.
Mortgage Loan Application Detail Totals for Jefferson Davis County, MS in 2024
Loan Purpose |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Home Purchase | 300 | $32,630,000 | $108,000 | $475,000 | $65,000 | $320,000 |
| Cash-out Refinancing | 43 | $5,485,000 | $127,000 | $465,000 | $81,000 | $243,000 |
| Other Purpose | 38 | $1,920,000 | $50,000 | $205,000 | $53,000 | $144,000 |
| Refinancing | 35 | $3,045,000 | $87,000 | $245,000 | $76,000 | $273,000 |
| Home Improvement | 22 | $1,670,000 | $75,000 | $505,000 | $128,000 | $1,253,000 |
| Not Applicable | 2 | $130,000 | $65,000 | $115,000 | $0 | $0 |
Applicant Race |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Black or African American | 223 | $21,745,000 | $97,000 | $505,000 | $66,000 | $1,253,000 |
| White | 127 | $15,375,000 | $121,000 | $475,000 | $73,000 | $243,000 |
| Not applicable | 54 | $4,210,000 | $77,000 | $405,000 | $0 | $0 |
| Not Provided | 25 | $2,435,000 | $97,000 | $365,000 | $90,000 | $320,000 |
| Hispanic | 8 | $760,000 | $95,000 | $135,000 | $51,000 | $95,000 |
| American Indian or Alaskan Native | 2 | $260,000 | $130,000 | $145,000 | $9,000 | $18,000 |
| Asian | 1 | $95,000 | $95,000 | $95,000 | $262,000 | $262,000 |
| Native Hawaiian or Other Pacific Islander | 0 | $0 | $0 | $0 | $0 | $0 |
Loan Type |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Conventional (any loan other than FHA, VA, FSA, or RHS loans) | 357 | $30,335,000 | $84,000 | $505,000 | $68,000 | $1,253,000 |
| FHA-insured (Federal Housing Administration) | 44 | $6,190,000 | $140,000 | $345,000 | $68,000 | $146,000 |
| VA-guaranteed (Veterans Administration) | 31 | $7,275,000 | $234,000 | $475,000 | $108,000 | $243,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 8 | $1,080,000 | $135,000 | $225,000 | $56,000 | $77,000 |
Outcome |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Application Denied By Financial Institution | 178 | $17,040,000 | $95,000 | $505,000 | $62,000 | $1,253,000 |
| Loan Originated | 114 | $12,510,000 | $109,000 | $475,000 | $75,000 | $212,000 |
| Loan Purchased By The Institution | 56 | $4,550,000 | $81,000 | $405,000 | $74,000 | $104,000 |
| File Closed For Incompleteness | 40 | $4,190,000 | $104,000 | $465,000 | $68,000 | $204,000 |
| Application Withdrawn By Applicant | 33 | $4,905,000 | $148,000 | $465,000 | $86,000 | $243,000 |
| Application Approved But Not Accepted | 19 | $1,685,000 | $88,000 | $175,000 | $86,000 | $262,000 |
| Preapproval Approved but not Accepted | 0 | $0 | $0 | $0 | $0 | $0 |
| Preapproval Denied by Financial Institution | 0 | $0 | $0 | $0 | $0 | $0 |
Denial Reason |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Not applicable | 257 | $27,525,000 | $107,000 | $475,000 | $76,000 | $262,000 |
| Credit History | 94 | $8,500,000 | $90,000 | $275,000 | $58,000 | $273,000 |
| Debt-To-Income Ratio | 54 | $5,010,000 | $92,000 | $295,000 | $42,000 | $124,000 |
| Collateral | 13 | $1,155,000 | $88,000 | $255,000 | $72,000 | $130,000 |
| Credit Application Incomplete | 10 | $660,000 | $66,000 | $105,000 | $63,000 | $131,000 |
| Unverifiable Information | 4 | $300,000 | $75,000 | $115,000 | $60,000 | $95,000 |
| Other | 3 | $765,000 | $255,000 | $505,000 | $470,000 | $1,253,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 3 | $585,000 | $195,000 | $365,000 | $143,000 | $320,000 |
| Employment History | 2 | $380,000 | $190,000 | $295,000 | $92,000 | $132,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) loan application records that lenders file with the FFIEC each year, and count every application (approved, denied, withdrawn or purchased), not just closed loans. Applications reported at $100 million or more are left out of these totals.
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